<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Balance Sheets, the Consolidated Statements of Income and
Management's Discussion and Analysis and Statistical Information and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                         165,946
<INT-BEARING-DEPOSITS>                           9,851
<FED-FUNDS-SOLD>                                26,024
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    996,426
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      3,355,881
<ALLOWANCE>                                     54,008
<TOTAL-ASSETS>                               4,815,121
<DEPOSITS>                                   3,832,662
<SHORT-TERM>                                   207,458
<LIABILITIES-OTHER>                             73,388
<LONG-TERM>                                    357,771
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       311,360
<OTHER-SE>                                      32,482
<TOTAL-LIABILITIES-AND-EQUITY>               4,815,121
<INTEREST-LOAN>                                296,682
<INTEREST-INVEST>                               63,382
<INTEREST-OTHER>                                 3,616
<INTEREST-TOTAL>                               363,680
<INTEREST-DEPOSIT>                             146,385
<INTEREST-EXPENSE>                             176,556
<INTEREST-INCOME-NET>                          187,124
<LOAN-LOSSES>                                   24,968
<SECURITIES-GAINS>                               1,194
<EXPENSE-OTHER>                                232,708
<INCOME-PRETAX>                                 26,662
<INCOME-PRE-EXTRAORDINARY>                      26,662
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    17,808
<EPS-PRIMARY>                                     0.39
<EPS-DILUTED>                                     0.39
<YIELD-ACTUAL>                                    4.37
<LOANS-NON>                                     10,619
<LOANS-PAST>                                     4,061
<LOANS-TROUBLED>                                 1,892
<LOANS-PROBLEM>                                 23,168
<ALLOWANCE-OPEN>                                40,376
<CHARGE-OFFS>                                   15,208
<RECOVERIES>                                     3,872
<ALLOWANCE-CLOSE>                               54,008
<ALLOWANCE-DOMESTIC>                            38,794
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         15,214
        

</TABLE>